{"id":1036,"date":"2022-12-22T15:52:42","date_gmt":"2022-12-22T14:52:42","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1036"},"modified":"2022-12-22T15:52:43","modified_gmt":"2022-12-22T14:52:43","slug":"zivotni-pojisteni-pro-dite-ano-ci-ne","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-pro-dite-ano-ci-ne\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed pro d\u00edt\u011b: ano \u010di ne?"},"content":{"rendered":"\n

<\/h2>\n\n\n\n

To, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pot\u0159ebuj\u00ed pouze dosp\u011bl\u00ed, kte\u0159\u00ed maj\u00ed rodinu, hypot\u00e9ku nebo t\u0159eba \u00fav\u011br, je m\u00fdtus. V ur\u010dit\u00e9 podob\u011b d\u00e1v\u00e1 smysl i pro d\u00edt\u011b. V dne\u0161n\u00edm \u010dl\u00e1nku v\u00e1m porad\u00edme jak na to.<\/p>\n\n\n\n

D\u00edt\u011b sice nep\u0159isp\u00edv\u00e1 do rodinn\u00e9ho rozpo\u010dtu, kv\u016fli \u00farazu nebo nemoci se v\u0161ak m\u016f\u017ee rodina dostat do velk\u00fdch finan\u010dn\u00edch probl\u00e9m\u016f. Samotn\u00e1 l\u00e9\u010dba, rehabilitace nebo drah\u00e9 l\u00e9ky<\/strong> ud\u011blaj\u00ed do rodinn\u00e9ho rozpo\u010dtu nemal\u00fd z\u00e1\u0159ez. Pokud bude muset jeden z rodi\u010d\u016f z\u016fstat s d\u00edt\u011btem doma, p\u0159ijde rodina o pravideln\u00fd p\u0159\u00edjem. \u00daraz nebo t\u011b\u017ek\u00e1 nemoc m\u016f\u017ee tak\u00e9 zp\u016fsobit, \u017ee d\u00edt\u011b nebude moct v budoucnu nastoupit do pr\u00e1ce.\u00a0<\/p>\n\n\n\n

\u00darazov\u00e9 nebo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? <\/strong><\/p>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a> je komplexn\u00ed a zahrnuje velk\u00e9 mno\u017estv\u00ed rizik spojen\u00fdch s \u00farazem nebo nemoc\u00ed. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed <\/a><\/strong>pokryje n\u00e1klady spojen\u00e9 s \u00farazem. Je levn\u011bj\u0161\u00ed a pravd\u011bpodobn\u011b ho vyu\u017eijete. Podle statistik poji\u0161\u0165oven se toti\u017e v\u011bt\u0161ina pojistn\u00fdch ud\u00e1lost\u00ed t\u00fdk\u00e1 pr\u00e1v\u011b \u00farazu. <\/p>\n\n\n\n

Jakou pojistku sjedn\u00e1te z\u00e1le\u017e\u00ed na v\u00e1s a va\u0161ich finan\u010dn\u00edch mo\u017enostech. D\u00edt\u011bti m\u016f\u017eete poji\u0161t\u011bn\u00ed sjednat samostatn\u011b, nebo si ho p\u0159idat ke sv\u00e9mu \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed. Nikdy se ale nespol\u00e9hejte na nab\u00eddku jedn\u00e9 poji\u0161\u0165ovny. Na\u00a0RIXO.cz<\/a>\u00a0si srovn\u00e1te nab\u00eddky z n\u011bkolika p\u0159edn\u00edch poji\u0161\u0165oven. Pokud si nev\u00edte rady, jak\u00e1 pojistka je pro v\u00e1s nejv\u00fdhodn\u011bj\u0161\u00ed, s v\u00fdb\u011brem v\u00e1m pomohou specialist\u00e9 \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.\u00a0<\/p>\n\n\n\n

\n
Srovnejte si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n

<\/p>\n\n\n\n

Trval\u00e9 n\u00e1sledky \u00farazu<\/strong><\/p>\n\n\n\n

\u00daraz se nevyhne snad \u017e\u00e1dn\u00e9mu d\u00edt\u011bti. Ve v\u011bt\u0161in\u011b p\u0159\u00edpadu se nejedn\u00e1 o nic v\u00e1\u017en\u00e9ho, m\u016f\u017ee se v\u0161ak st\u00e1t, \u017ee se d\u00edt\u011b bude pot\u00fdkat s trval\u00fdmi n\u00e1sledky. M\u016f\u017ee se jednat o drahou medikaci, pravideln\u00e9 rehabilitace, bezbari\u00e9rovou \u00fapravu bytu nebo nap\u0159. ztr\u00e1tu pohyblivosti. Toto riziko kryje \u017eivotn\u00ed i \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/a>. <\/strong><\/p>\n\n\n\n

Z\u00e1va\u017en\u00e9 onemocn\u011bn\u00ed <\/strong><\/p>\n\n\n\n

V tomto p\u0159\u00edpad\u011b si s \u00farazov\u00fdm poji\u0161t\u011bn\u00edm nevysta\u010d\u00edte. Jak ji\u017e z n\u00e1zvu vypl\u00fdv\u00e1, nejedn\u00e1 se toti\u017e o \u00faraz. Z\u00e1va\u017en\u00e9 onemocn\u011bn\u00ed m\u016f\u017ee velmi ovlivnit v\u00e1\u0161 rodinn\u00fd rozpo\u010det. Vysok\u00e9 n\u00e1klady na l\u00e9\u010dbu, nutnost asistence nebo nep\u0159etr\u017eit\u00e1 p\u00e9\u010de jednoho z rodi\u010d\u016f nejsou v takov\u00e9m p\u0159\u00edpad\u011b v\u00fdjimkou. Pojistn\u00e9 ud\u00e1losti zahrnuj\u00ed r\u016fzn\u00e9 druhy nemoc\u00ed, na kter\u00e9 m\u016f\u017eete sv\u00e9 d\u00edt\u011b pojistit. <\/p>\n\n\n\n

Invalidita <\/strong><\/p>\n\n\n\n

Invaliditu neboli ztr\u00e1tu sob\u011bsta\u010dnosti si m\u016f\u017eete pojistit v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/a> <\/strong>Pokud dojde k pojistn\u00e9 ud\u00e1losti, m\u016f\u017eete se rozhodnout, zda chcete vyplatit \u010d\u00e1stku jednor\u00e1zov\u011b, nebo budete pob\u00edrat m\u011bs\u00ed\u010dn\u00ed rentu. <\/p>\n","protected":false},"excerpt":{"rendered":"

To, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pot\u0159ebuj\u00ed pouze dosp\u011bl\u00ed, kte\u0159\u00ed maj\u00ed rodinu, hypot\u00e9ku nebo t\u0159eba \u00fav\u011br, je m\u00fdtus. V\u017edy je dobr\u00e9 ho v ur\u010dit\u011b podob\u011b sjednat i pro d\u00edt\u011b. V dne\u0161n\u00edm \u010dl\u00e1nku v\u00e1m porad\u00edme jak na to.<\/p>\n","protected":false},"author":6,"featured_media":1037,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,8],"tags":[30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1036"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":1,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1036\/revisions"}],"predecessor-version":[{"id":1038,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1036\/revisions\/1038"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1037"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1036"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1036"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}